Compliance

Last updated: June 2026

Our approach to regulation

Apex operates as a non-custodial software interface provider. Because we never hold, control, or custody user funds, our platform falls outside the scope of traditional money transmission and financial services regulation in most jurisdictions.

We are committed to operating transparently and cooperating with regulatory authorities where applicable law requires.

KYC policy

Apex Wallets offers optional Know Your Customer (KYC) verification for users who want higher spending limits and priority support. As a non-custodial interface, we facilitate compliance while respecting user privacy. Verified accounts benefit from enhanced transfer caps and priority service.

We require only an email address for account creation, consistent with our privacy-focused approach.

Anti-money laundering (AML)

While Apex is not a financial institution, we take AML concerns seriously. We reserve the right to:

• Suspend accounts that show signs of suspicious activity
• Cooperate with law enforcement in investigations
• Block access from jurisdictions subject to sanctions

Tax reporting

Apex does not provide tax reporting or withholding services. Users are solely responsible for understanding and complying with their tax obligations related to Bitcoin transactions in their jurisdiction. We provide transaction export tools to assist with record-keeping.

Jurisdictional restrictions

Apex may restrict access from jurisdictions where cryptocurrency wallets are prohibited or where legal requirements would require us to compromise non-custodial principles. Users are responsible for ensuring their use of Apex complies with local laws.

Data protection

We comply with applicable data protection regulations including GDPR where relevant. See our Privacy Policy for details on how we handle personal data.

Contact

For compliance-related inquiries, contact us through our Contact page.